Business Services · lender intelligence

Financing a private mail centers acquisition

State:

The SBA 7(a) lenders funding the most private mail centers acquisitions, ranked from public loan records — typical deal about $431K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance private mail centers

$379K

Typical loan

range $240K–$595K

$421K

Est. purchase price

≈ loan ÷ 90%

$56,324

Cash to close

$42,111 down + fees

$4,904/mo

Typical payment

~9.5% · 10yr

$67,675/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

99.3%

Still performing

0.7% default · FY20–23

23 days

Typical time to fund

Lenders competing

more = leverage

8.25%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active in private mail centers

Ranked by funded private mail centers acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.2,539 loans · $965M · Columbus, OHFull record →
2.36 loans · $51M · Carmel, INFull record →
3.149 loans · $135M · Mukwonago, WIFull record →
4.1,296 loans · $1.4B · Wilmington, NCFull record →
5.66 loans · $68M · Milford, IAFull record →
6.75 loans · $98M · Sioux Falls, SDFull record →
7.13 loans · $18M · Roseburg, ORFull record →
8.16 loans · $21M · Las Vegas, NVFull record →
9.116 loans · $120M · Evansville, INFull record →
10.274 loans · $315M · Los Angeles, CAFull record →
11.154 loans · $26M · San Diego, CAFull record →
12.32 loans · $54M · Tupelo, MSFull record →
13.72 loans · $22M · Rockland, MAFull record →
14.10 loans · $2M · Elk River, MNFull record →
15.242 loans · $281M · Chicago, ILFull record →
16.60 loans · $130M · Doraville, GAFull record →
17.103 loans · $64M · Indiana, PAFull record →
18.1,927 loans · $207M · Buffalo, NYFull record →
19.25 loans · $5M · Whiting, INFull record →
20.52 loans · $50M · Rockville, MDFull record →
21.5 loans · $4M · Melrose Park, ILFull record →
22.36 loans · $35M · Memphis, TNFull record →
23.98 loans · $309M · Las Vegas, NVFull record →
24.11 loans · $10M · Bedminster, NJFull record →
25.60 loans · $40M · Clayton, MOFull record →

240+ funded private mail centers deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

H & R 2 A Investment LLC in Harrisburg, PA — $2.0M (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
6.99% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$1.5M (75%)
Approved
11/18/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$2.2M
Est. down payment (10%)
$225K
Est. cash at closing
$309K
Monthly payment
$14,275
Annual debt service
$171K
Cash flow needed (1.25×)
$214K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Sahota Services LLC in Diamond Bar, CA — $1.6M (2026) · purchase · Bank of America, National Association
Program
Preferred Lenders Program
Rate at approval
6.39% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approved
2/19/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$1.8M
Est. down payment (10%)
$176K
Est. cash at closing
$242K
Monthly payment
$17,901
Annual debt service
$215K
Cash flow needed (1.25×)
$269K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Bank of America, National Association · Lender record →
Your business? Claim this record · Request removal
Rivet Ventures LLC in Sammamish, WA — $1.4M (2026) · purchase · Gesa CU
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.1M (75%)
Approved
2/26/2026
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$156K
Est. cash at closing
$214K
Monthly payment
$17,059
Annual debt service
$205K
Cash flow needed (1.25×)
$256K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Gesa CU · Lender record →
Your business? Claim this record · Request removal
SHORELINE BLUE INC. in Ponte Vedra Beach, FL — $1.3M (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$942K (75%)
Approved
1/27/2026
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$140K
Est. cash at closing
$191K
Monthly payment
$15,917
Annual debt service
$191K
Cash flow needed (1.25×)
$239K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
JPDP CORP in Wellesley Hills, MA — $1.0M (2026) · purchase · Webster Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$769K (75%)
Approved
2/24/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$114K
Est. cash at closing
$156K
Monthly payment
$12,301
Annual debt service
$148K
Cash flow needed (1.25×)
$185K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Webster Bank National Association · Lender record →
Your business? Claim this record · Request removal
PD 933 LLC in Palm Desert, CA — $965K (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$724K (75%)
Approved
1/26/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$107K
Est. cash at closing
$147K
Monthly payment
$11,961
Annual debt service
$144K
Cash flow needed (1.25×)
$179K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Y3A LLC in Harrisburg, PA — $800K (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$600K (75%)
Approved
3/17/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$889K
Est. down payment (10%)
$89K
Est. cash at closing
$122K
Monthly payment
$9,919
Annual debt service
$119K
Cash flow needed (1.25×)
$149K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
3G Shipping LLC in Huntersville, NC — $663K (2026) · purchase · Bank of America, National Association
Program
Preferred Lenders Program
Rate at approval
6.69% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$497K (75%)
Approved
12/22/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$737K
Est. down payment (10%)
$74K
Est. cash at closing
$99K
Monthly payment
$7,592
Annual debt service
$91K
Cash flow needed (1.25×)
$114K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Bank of America, National Association · Lender record →
Your business? Claim this record · Request removal
GID Mailing Services LLC in Russellton, PA — $625K (2026) · purchase · Evolve Bank and Trust
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$469K (75%)
Approval → funding
17 days
Approved
11/17/2025
First disbursed
12/4/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$694K
Est. down payment (10%)
$69K
Est. cash at closing
$93K
Monthly payment
$8,173
Annual debt service
$98K
Cash flow needed (1.25×)
$123K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Evolve Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Ship It Good PS Inc. in Palm Springs, CA — $550K (2026) · purchase · Merchants Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$413K (75%)
Approval → funding
93 days
Approved
11/25/2025
First disbursed
2/26/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$611K
Est. down payment (10%)
$61K
Est. cash at closing
$82K
Monthly payment
$7,117
Annual debt service
$85K
Cash flow needed (1.25×)
$107K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Merchants Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
MAHANT 5322 LLC in Maywood, NJ — $542K (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$406K (75%)
Approved
1/27/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$602K
Est. down payment (10%)
$60K
Est. cash at closing
$81K
Monthly payment
$6,790
Annual debt service
$81K
Cash flow needed (1.25×)
$102K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Carolina Print and Mail LLC in Gastonia, NC — $483K (2026) · purchase · Bank of America, National Association
Program
Preferred Lenders Program
Rate at approval
6.42% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$362K (75%)
Approved
12/23/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$537K
Est. down payment (10%)
$54K
Est. cash at closing
$72K
Monthly payment
$5,464
Annual debt service
$66K
Cash flow needed (1.25×)
$82K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Bank of America, National Association · Lender record →
Your business? Claim this record · Request removal
Manusmriti LLC in Newcastle, WA — $428K (2026) · purchase · Bank of America, National Association
Program
Preferred Lenders Program
Rate at approval
7.4% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$321K (75%)
Approval → funding
69 days
Approved
12/17/2025
First disbursed
2/24/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$475K
Est. down payment (10%)
$48K
Est. cash at closing
$64K
Monthly payment
$5,057
Annual debt service
$61K
Cash flow needed (1.25×)
$76K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Bank of America, National Association · Lender record →
Your business? Claim this record · Request removal
Athan Consulting LLC in Hoover, AL — $397K (2026) · purchase · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$297K (75%)
Approved
11/19/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$441K
Est. down payment (10%)
$44K
Est. cash at closing
$59K
Monthly payment
$5,078
Annual debt service
$61K
Cash flow needed (1.25×)
$76K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
AJM LEGACY, LLC in Jensen Beach, FL — $350K (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
60 days
Approved
11/24/2025
First disbursed
1/23/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$4,577
Annual debt service
$55K
Cash flow needed (1.25×)
$69K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
VRJH MONONA LLC in Monona, WI — $350K (2026) · purchase · Merchants Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approved
1/29/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$4,434
Annual debt service
$53K
Cash flow needed (1.25×)
$67K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Merchants Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
THE UPS STORE 3144 in Kansas City, MO — $330K (2026) · purchase · Meadows Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$248K (75%)
Approved
3/24/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$367K
Est. down payment (10%)
$37K
Est. cash at closing
$49K
Monthly payment
$4,092
Annual debt service
$49K
Cash flow needed (1.25×)
$61K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Meadows Bank · Lender record →
Your business? Claim this record · Request removal
The UPS Store #4260 in Metuchen, NJ — $269K (2026) · purchase · United FCU
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$202K (75%)
Approved
2/26/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$299K
Est. down payment (10%)
$30K
Est. cash at closing
$40K
Monthly payment
$3,481
Annual debt service
$42K
Cash flow needed (1.25×)
$52K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by United FCU · Lender record →
Your business? Claim this record · Request removal
CC 5425 LLC in Cathedral City, CA — $254K (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$190K (75%)
Approved
2/25/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$282K
Est. down payment (10%)
$28K
Est. cash at closing
$38K
Monthly payment
$3,280
Annual debt service
$39K
Cash flow needed (1.25×)
$49K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
JLM PINE LAKE MAIL SERVICES LLC in Sammamish, WA — $243K (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$182K (75%)
Approval → funding
22 days
Approved
1/13/2026
First disbursed
2/4/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Private Mail Centers
If you were the buyer here
Est. deal size
$270K
Est. down payment (10%)
$27K
Est. cash at closing
$36K
Monthly payment
$3,048
Annual debt service
$37K
Cash flow needed (1.25×)
$46K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to private mail centers businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a private mail centers acquisition with an SBA 7(a) loan: the lenders that fund the most of them (from public records), typical cost, and what it takes to qualify. The Huntington National Bank funds the most. CapBench is not a lender.

$431K typical loan
89 lenders fund the industry
0.7% default (FY20–23)
23 days typical to fund

Buyers researching a private mail centers deal typically pre-qualify, then ask CapBench to introduce a lender that funds the industry — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/industry/private-mail-centers
API:: https://www.capbench.com/api/public/lenders?industry=private-mail-centers
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.